Biz Virtual+ Account
Integrated Business Solutions Account (“IBS Account”)
How to open account in as fast as 3 days with 3 simple steps
Two priorities to start a business – after business registration, opening a business account will be the next!
The new Biz Virtual+ account enables you to enjoy both digital convenience and physical support. With its smart banking solutions and discounted operation cost, your business dream is fully supported!
Biz Virtual+ Account is suitable for businesses that
  • are start-ups or started to grow
  • hope to open one more business account to enjoy comprehensive e-Banking services and omni-channel support
  • prefer using e-banking, mobile banking, machines or phone to manage the business account
To kick off your business with lower cost! Open Biz Virtual+ Account in as fast as 3 days1through remote account opening2 service and enjoy discounted handling fee.
Account opening offers worth over HKD36,888!
Account Opening Offers
  • 50% off for account opening administrative fee(HKD600).
  • First 24-month fee waiver on Monthly Fee. More flexibility in cash flow without maintaining the Total Relationship Balance.
Grasp the opportunity of the $10,000 Consumption Voucher Scheme
  • Payment offer valued up to HKD19,000.
  • SME Easy Collection Solution (“EC”) offer provided by QFPay, including discount on Setup Fee, Transaction Fee, Annual Fee etc.
  • HKD600 cash rebate for first 300 customers who use EC - QR Code Solution to complete payment collection.
  • HKD1,000 cash rebate for first 300 customers who use EC - Online Collection to complete payment collection.
  • Up to HKD300 handling fee rebate for FPS outward payment for the first 30 transactions.
  • A limited edition souvenir for using EC - QR Code Collection while stocks last.

Keep down operating costs
  • Save up to 55% on the handling fees for outward remittances.
  • As low as HKD25 handling fee for local interbank transfers (CHATS).
Enhance the return potential of funds
  • Interest rates up to 2.60% p.a.for new fund time deposit setup via Hang Seng Business Mobile App or Hang Seng Business e-Banking.
  1. For eligible customer(s), the Biz Virtual+ Account can be opened in as fast as 3 business days upon performing e-Sign by customer. Customer(s) will receive a SMS notification for e-Sign after the (1) satisfactory review of the documents submitted, (2) successful completion of digital ID verification and (3) completion of Know Your Customer (“KYC”) call(s). For customers requiring a face-to-face appointment at Business Banking Center(s) (if applicable), an appointment will be arranged based on the latest availability.
  2. To enjoy remote account opening service, the applicant’s connected party(ies) must hold a Hong Kong Identity Card. Also, the applicant’s connected party(ies) has/ have to be physically located in Hong Kong when submitting the application, completing digital ID verification and e-Sign successfully. The eligibility of applicants for remote account opening is subject to the final and absolute discretion of Hang Seng Bank Limited.
Got financing needs?
Apply Hang Seng Business Loan online now!
  • Fully online application and approval-in-principle result in 3 minutes
  • Overdraft Facility for short-term financial needs
Know more
Digital Convenience
Being secure and reliable, Hang Seng Digital Business Banking is widely trusted as a means to manage business accounts with ease based on your business needs, helping you run your business more efficiently and conveniently.
Want to know more about how Business e-Banking can help you
enhance your operating efficiency and empower businsses for the better

Know more
Physical Support
Multiple channels connect you with award-winning# customer service online and offline to support your business needs.
Business Banking Centres
Located in business districts in Hong Kong, Kowloon and the New Territories, our Business Banking Centres connect you with our teams of professionals with their diverse expertise.
For the opening hours, addresses and contact numbers, please visit
Live Chat
You will find Live Chat on the right hand side of the screen. Simply click onto it to chat online with one of our customer service officers. The service is available 24 hours a day, 7 days a week
Business Banking Application Hotline
2198 8022 > language > 1
#Hang Seng Commercial Banking’s excellent customer service has received 11 accolades at the Hong Kong Customer Contact Association Awards 2021. Among them are
  • Gold Award of “Mystery Caller Assessment Award” for Business Partner Direct – Hang Seng Business e-Banking;
  • Silver Awards of “Best Contact Centre in Omni-channel Deployment” and “Best Contact Centre in Corporate Social Responsibility” for Commercial Banking Contact Centre;
  • Silver Award of “Best Customer Centre (Face-to-face)” for Head Office Business Banking Centre; and
  • “Best Contact Centre Campaign” for Commercial Banking Contact Centre and “Best Contact Centre (Inbound)” for Live Chat.
Apply Now

Equip your business with essential services and enjoy offers worth over HKD36,888 !

Successfully deposit any cheques with the Hang Seng Business Mobile App via mobile phone to join our lucky draw for a chance to win the iPhone 13 Pro Max (512GB)
Enjoy free payroll services
Integrated autopay solution provides you a hassle free service to generate tax returns for your staff
Enjoy the first 2 months’ handling fee waiver for Inward Remittance and online Outward Remittance transactions
Successfully apply for Commercial World Mastercard and UnionPay RMB Diamond Commercial Card to enjoy the first 2 years’ Annual Fee Waiver and up to $400 Cash Dollars and HKD400 Mannings Cash Vouchers

Settle operating expenses with Commercial World Mastercard online to enjoy up to 2.8%* unlimited rebate

56-day interest-free repayment period. Do business first and pay later.
*2.8% rebate includes 2% Cash Rebate, 0.4% Cash Dollar reward on foreign currency online spending and 0.4% Cash Dollar reward for every spending
Enrolling in General Insurance Services to enjoy up to HK$500 supermarket shopping vouchers

People Protection: BUPA Individual Medical Insurance premium discount offer
Provide protection for company’s shareholders, directors, employees and their family members at prevailing preferential offer
Enjoy HKD0 brokerage fee on buy and sell trades of Hong Kong Stocks, SSE and SZSE Securities
50% off on subscription fee for investment funds distributed by Hang Seng Bank
Please visit here for the terms and conditions of the above offers.
To borrow or not to borrow? Borrow only if you can repay!